I tweaked the inputs but I suspect the calcs are still off based on the comments :\Home Price: 235kMonthly Rental Income: 195020% Down: 47kInterest 4%30y FixMonthly Mortgage+taxes+insurance: 143412% monthly PM fee: $2345% vacancy: $97.5/mo (5% x 1950)Monthly Cost: 1765.50 (1434+234+97.5)Y1 NOI: 2214 (1950-1765.5)*12Cap Rate: 0.94% (2214/235,000)5% Closing Costs: 11750 (5% x 235k)Est repairs: 1kUp front costs: 59,750 (47k+11750+1)CCR: 3.71% (2,214/59,750)

I'd just track your calls/data so you can see what to tweak.

A good lender should be able to point out exactly how much you can pull, and how you could pull more with a few tweaks. 

You may need to rethink your strategy for finding deals, or tweak your criteria or assumptions.  

The numbers can usually be tweaked a little to get inspectors to pass the job.

Also look into other automation improvements like beyond pricing or price labs that help with tweaking your pricing automatically to help maximize revenue.

I have plenty of time to learn, tweak, adjust etc.  

With the amortization I ended up saving over $10,000 using this small tweak!!!

It often takes a few tweaks to get it to where it needs to be.

There are a million other things that can be tweaked with your local MLS standard forms.